A.E.P. Psy & Coaching
ActiveSummary
A.E.P. Psy & Coaching has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-44k) and a net result of €-13k. Equity is shrinking by ~56.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 2331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-1
Solvency3▼-8
Growth22=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
short-term debt: 122.1% of total assets, and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-22.1%
Return on assets
-6.7%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18202122232425
2018 to 2025 · latest year €-44k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
29 d late
2024
24 d late
2023
86 d late
2022
57 d late
2021
50 d late
2020
4 d early
2018
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€7k▼ 50.1%
2021 · €14k
2018: €12k
2020: €15k
2021: €14k
2018 → 2022
EBIT margin
-240.9%▼ 231.8pp
2021 · -9.1%
2018: -93.7%
2020: -65.0%
2021: -9.1%
2018 → 2022
Net result
€-13k▲ 2.7%
2024 · €-14k
2018: €-7k
2020: €-7k
2021: €2k
2022: €-14k
2023: €-26k
2024: €-14k
2018 → 2025
Working capital
€-252k▲ 1.3%
2023 · €-255k
2018: €-189k
2020: €-183k
2021: €-173k
2022: €-184k
2023: €-255k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14k-€7k▼ 50.1%
Equity€23k-€9k▼ 59.9%€-17k€-31k▼ 82.3%€-44k▼ 43.9%
Operating result€-1k-€-16k▼ 1,222%€-27k▼ 63.0%€-18k▲ 33.1%€-13k▲ 29.3%
Net result€2k-€-14k€-26k▼ 90.6%€-14k▲ 46.6%€-13k▲ 2.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €18k in 2024; the loss shrinks.
Key figures and ratios
EBITDA
€9k▲
2024 · €4k
Cash flow
€8k▲
2024 · €8k
Solvency
-22.1%▼
2024 · -13.8%
Debt to equity
-5.52▲
2024 · -8.22
ROA
-6.7%▼
2024 · -6.3%
Interest coverage
23.47▲
2024 · 8.50
Debt
€243k▼
2024 · €252k
Debt ≤ 1 year
€243k▼
2024 · €252k
Income taxes
€356▲
2024 · €133
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€221k€199k▼
Fixed assets21/28€221k€199k▼
Tangible fixed assets22/27€221k€199k▼
Land and buildings22€175k€166k▼
Plant, machinery and equipment23€14k€12k▼
Furniture and vehicles24€32k€21k▼
Financial fixed assets28€64€64=
Current assets29/58€100-
Cash at bank and in hand54/58€100-
Equity and liabilities
Total equity and liabilities10/49€221k€199k▼
Equity10/15€-31k€-44k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€5k€5k=
Non-distributable reserves130/1€5k€5k=
Legal reserve130€2k€2k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€-54k€-68k▼
Amounts payable17/49€252k€243k▼
Amounts payable within one year42/48€252k€243k▼
Financial debts43€250k€241k▼
Credit institutions430/8€2k€239k▲
Other loans439€248k€2k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45-€180
Taxes450/3-€180
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k=
Other operating charges640/8€981-
Gross operating margin9900€5k€9k▲
Operating profit (loss)9901€-18k€-13k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€451€388▼
Recurring financial charges65€451€388▼
Profit (loss) for the period before taxes9903€-18k€-13k▲
Transfer from deferred taxes780€5k-
Income taxes67/77€133€356▲
Profit (loss) for the period9904€-14k€-13k▲
Transfer from tax-exempt reserves789€3k-
Profit (loss) for the period to be appropriated9905€-11k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€-68k▼
Profit (loss) brought forward from the previous period14P€-44k€-54k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 86 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 50 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Waterloo · 1 establishment unit since 1990
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Avenue des Lilas 70A1410 WaterlooGround area
469 m²
Building footprint
130 m²
Parcel 25762G0051/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
A.E.P. PSY & COACHING
since 19902.050.692.935
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762G0051/00A000 | Wallonia | 469 m² | 1 · 130 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SD MUTATIO
BE 0804.708.634
Erquelinnes · Eq €9,030
SUSANLYN COACHING
BE 0676.810.075
Antwerpen · Eq €8,967
CHIARA DUA
BE 0783.812.854
Begijnendijk · Eq €8,943
MeSiCS
BE 1027.674.814
Chastre · Eq €9,291
L.I.E.S.
BE 1020.626.476
Ranst · Eq €9,315
Of 5,524 companies in sector 86931 we hold annual accounts for 550. 371 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded10-12-1990
Fiscal year end31-12
Abbreviation FR
A.E.P. Advertising, A.E.P. Copywriting, A.E.P. Médiathèque, A.E.P. Psy & Coaching
Activities, NACEBEL 2025
86931Psychology services
70200Business and other management consultancy
73110Advertising agencies
73200Market research and public opinion polling
85599Other education
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.